(As published in March 2016 SMART BIZ) Now you understand the financial industry and how to use it even while taking responsibility for your own financial priorities (December 2015). You have established your cash flow, keeping it positive, (January 2016) and made...

My SMART Money column in the December SMART Biz set out the first key to financial success: you need to take RESPONSIBILITY; only you can define your goals. The confidence to make your own decisions needs comes with understanding some fundamentals, to avoid being...

Many people find “Money Management” an intimidating subject. Too many people shun learning the basics and muddle along until they run into problems, even ruin, crying “woe is me”, it was just too hard, I didn’t know. No more excuses, by taking time to read this...

Stories abound about the horrors of easy credit and getting buried in debt, even before they get their career started. Like the twenty-something who is working full time to keep up with the minimum payments on $24,000 of credit cards and a $16,000 Line of Credit. He...